Get Your Bankruptcy Certificate Online Quickly & Easily

Are you facing overwhelming debt and considering bankruptcy? Money Fit by DRS can help. We offer fast and convenient online pre-filing credit counseling and post-filing debtor education that meets all court requirements. 

Online Bankruptcy Counseling Courses and Certificates
how to receive your bankruptcy counseling certificates with money fit
Pre-Filing Credit Counseling

Considering Chapter 7 or 13 bankruptcy? 

Fulfill your mandatory pre-filing credit counseling requirement entirely online with Money Fit.

Benefits:

  • Fast & Easy: Complete the course at your own pace and receive your court-approved certificate quickly.
  • Affordable: Our fees are competitive, with fee waivers available based on income.
  • Expert Support: Get personalized guidance from our certified credit counselors.

*Approval does not endorse or assure the quality of a Provider’s service. Approved to issue certificates through Debt Reduction Services, Inc.

Pre-filing Bankruptcy Credit Counseling Course Online

First Step: Disclosures for Pre-Filing Credit Counseling Services

Please read the following statements carefully so that you will understand the procedures for this session.

Our bankruptcy services are available online as we do not offer in office or over the phone services, however, if you have a question and need assistance you may reach us at (855) 685-7843 and speak to a bankruptcy certificate specialist.

Money Fit by DRS. (DRS) has been educating consumers and clients about money and credit since 1996. Our counselors have completed the Certificated Debt Management Profession program with Partnership for Financial Education or the Accredited Credit Counselor certification through the Association for Financial Counseling and Planning Education, and are required to continue their education yearly to maintain these highly regarded certifications. Our agency is a member of the Financial Counseling Association of America (FCAA, formerly AICCCA) and the Association of Credit Counseling Professionals (ACCPros). Both FCAA and ACCPros have high standards for quality credit counseling and financial education, and our agency complies with those standards. In addition, our agency is certified by Bureau Veritas (BV) to meet the ISO 9001:2015 standards. BV is an independent third-party organization that reviews and monitors entities who provide social services.

DRS is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. DRS receives a portion of its funding in the form of grants from banks and other financial institutions that support financial counseling. DRS is obligated to provide your certificate promptly upon completion of counseling/instruction, and we will do this within one business day upon the completion of your course. You will only receive your certificate upon completion of counseling. The Executive Office for the United States Trustee (EOUST) can potentially review client information as needed. The EOUST has only reviewed and approved Pre-filing credit counseling and Post-filing debtor education services.

These services are offered through DRS online only, the program will ask questions about your budget, assets, creditors and factors that led you to consider bankruptcy. There is a requirement by law that you must have interaction with your counselor in the counseling process. Your counselor will contact you by phone or email to ask questions about the information you provided. Your counselor will discuss the factors/reasons leading you to consider bankruptcy, and review your budget, creditors and assets. Your counselor will conduct an analysis of your financial situation, explore all alternatives to resolve your credit problems, and develop an individualized written action plan for dealing with your situation. The quality of your counseling session does not depend upon whether you decide to file for bankruptcy or not.

Once this is complete, you will be notified by email to log back into the program where you may also print copies of all this information.

At the conclusion of the counseling, you will be provided with a certificate that you will need, should you decide to file for bankruptcy. The certificate of completion will be issued no later than one business day after you complete the counseling session. You will only receive the certificate if you complete the entire session. There is no charge for generation of the certificate. Since we are an approved agency,
 this certificate is valid for 180 days after the date and time the counseling is completed.

A DRS certified counselor will be conducting this session. While he/she has expertise in helping those with financial problems, he/she cannot provide you with legal advice. In fact, this session is designed to provide you with information and alternatives; it is not intended to take the place of a consultation with an attorney to explore your legal rights and options.

To help cover the cost of providing the Pre-filing credit counseling to you, this agency charges a fee of $50.00 per case, payable by debit , credit card, or Paypal. We highly discourage credit card usage, except in cases where a family member is offering to pay on your behalf. We do not accept personal checks.. You may be eligible for a waiver of this fee based upon your lack of ability to pay, defined as 150% or less of the poverty guidelines updated periodically by the US Department of Health and Human Services. Click here or on the Fee Waiver Calculator link below to find out if you qualify for a waiver. If so, please call (855) 685‑7843 to finalize your registration. The $50.00 per case fee represent the entirety of our certificate-related fees. We do not charge any additional fees associated with the generation of the certificate.

FEE WAIVER CALCULATOR

Upon completion of your bankruptcy counseling session, you will be provided a certificate (within one business day after completion of the session) that you will need for the next step in your process. The bankruptcy counseling certificate is valid for up to 180 days from the completion of the counseling session.

Counseling in Motion is available as an online session only. We do not provide telephone or in person counseling certificates. This online session will require a minimum of 60 minutes of your time online. Counseling in Motion will require verification of the person who is taking this course prior to course commencement and before completion of the course. After completing the course you will have personal interaction – either by phone or via email – with one of our certified bankruptcy counselors who will review with you the factors that caused your current conditions and help you develop a plan to respond to any further financial problems.

In order to assist you, it is essential that you provide us with information that is as accurate and complete as possible. For that reason, we may ask you to authorize us to access your credit history. Your credit report is not impacted by obtaining counseling through our agency and our agency will not disclose or provide any information about this counseling session to a credit reporting agency. Rest assured that the information concerning your financial condition and status that you provide during this session is strictly confidential. Such information would include, but is not limited to, income, debts, credit accounts, earnings, assets, and employment data. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law, such as in response to a subpoena or to the United States Trustee in their oversight of this agency or during the investigation of complaints, during on-site visits or during quality service reviews.

We may compile data and aggregate information that you give us, but this information will not be disclosed in any manner that would personally identify you.

As one of your options, you have the opportunity to negotiate an alternative payment schedule with regard to each unsecured consumer debt. If you should decide to enter into a Debt Management Plan (“DMP”), which our agency can provide, (which will be explained in the course of this session) you will be provided with separate agreement and disclosure forms. If you choose to use a DMP you may incur additional fees which would be explained to you should you be interested in this program.

If you choose to file for bankruptcy, you should understand the following: A bankruptcy does not remove accurate information from your credit report, such as past delinquencies; A bankruptcy is a matter of public record and will be reported in the public section of your credit report; A bankruptcy will have a negative effect on your credit report and credit score; A potential creditor, landlord, or employer in the future may view this negatively; And depending upon the type of bankruptcy you file, a bankruptcy may remain on your credit report for 7 to 10 years.

If, after your session, you choose to enroll in a Debt Management program (DMP), participation in a debt management program may change information which is already on your credit report. If your credit report shows that you have paid your accounts as agreed in the past, a Debt Management Program could have a negative impact on a creditworthiness decision by a potential creditor, landlord, or employer in the future.

Our agency has a policy prohibiting it from paying or receiving fees for the referral of clients, except under a fair share agreement. No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We provide online counseling in both English and Spanish (English only by phone). Should you require assistance in another language, please visit the US Trustee site.If you are dissatisfied with the service provided by our agency, you can utilize our Complaint Resolution Process by contacting our bankruptcy services director at [email protected], by calling toll-free at (855) 685‑7843, or by mail at Bankruptcy Complaint Resolution, 6213 N Cloverdale Rd Ste 100, Boise ID 83713.

The United States Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

If at any time you need to speak with one of our certified bankruptcy counselors please call us toll-free at (855) 685‑7843 or email your question to us at [email protected]. If you have any problems logging back into your account after you have enrolled click here and enter your username and password. If the problem persists, please call us at (855) 685‑7843.

Before proceeding, please enter your information into the FEE WAIVER CALCULATOR. If you have not already done so please click here to enter your information FEE WAIVER CALCULATOR, once this is complete you may continue.

Acceptance
Post-Filing Debtor Education

Complete Your Post-Bankruptcy Debtor Education Course Online (Fast & Easy)

Filed for Chapter 7 or 13 bankruptcy? Fulfill your court-required debtor education entirely online with Money Fit.

Benefits:

  • Fast & Easy: Learn at your own pace and receive your completion certificate quickly.
  • Convenient: Access the course online anytime, anywhere.
  • Affordable: Our fees are competitive, with fee waivers available based on income.

*Approval does not endorse or assure the quality of a Provider’s services. Approved to issue certificates through Debt Reduction Services, Inc.

Post-filing Bankruptcy Credit Counseling FORM

First Step: Disclosures for Post-Filing Debtor Education

Please read the following statements carefully so that you will understand the procedures for this session.

Our bankruptcy services are available online as we do not offer in office or over the phone services, however, if you have a question and need assistance you may reach us at (855) 685-7843 and speak to a bankruptcy certificate specialist.

Money Fit by DRS Inc. (DRS) has been educating consumers and clients about money and credit since 1996. Our counselors have completed the Certificated Debt Management Profession program with Partnership for Financial Education or the Accredited Credit Counselor certification through the Association for Financial Counseling and Planning Education, and are required to continue their education yearly to maintain these highly regarded certifications. Our agency is a member of the Financial Counseling Association of America (FCAA, formerly AICCCA) and the Association of Credit Counseling Professionals (ACCPros). Both FCAA and ACCPros have high standards for quality credit counseling and financial education, and our agency complies with those standards. In addition, our agency is certified by Bureau Veritas (BV) to meet the ISO 9001:2015 standards. BV is an independent third-party organization that reviews and monitors entities who provide social services.

DRS is a non-profit agency. We are organized and operate in accordance with Section 501(c)(3) of the Internal Revenue Code. DRS receives funding in the form of grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees or other considerations for referrals of debtor students to our agency. DRS is obligated to provide your certificate promptly upon completion of instruction, and we will do this within three business days upon the completion of your course. You will only receive your certificate upon completion of Post-filing debtor education. The Executive Office for the United States Trustee (EOUST) can potentially review debtor information as needed. The EOUST has only reviewed and approved Pre-filing credit counseling and Post-filing debtor education services. DRS does offer services to help with unsecured debt if needed.

Upon the completion of Money in Motion our agency will provide you a certificate of completion of an instruction course promptly; and no later than three business days from the completion of the Post-filing debtor education. You will only receive this certificate if you complete the Post-filing debtor education. You will need to provide us with your bankruptcy case number for this certificate.**

We will ask you to voluntarily fill out basic demographic information. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing or as required by law, such as a response to a subpoena or the United States Trustee in their oversight of this agency of during the investigation of complaints, during on-site visits or during quality service reviews. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you.

To help cover the cost of providing the Post-filing debtor education to you, this agency charges a fee of $50.00 per case, payable by debit card, credit card, or Paypal. We highly discourage credit card usage, except in cases where a family member is offering to pay on your behalf. We do not accept personal checks. You may be eligible for a waiver of this fee based upon your lack of ability to pay, defined as 150% or less of the poverty guidelines updated periodically by the US Department of Health and Human Services. Click here or on the Fee Waiver Calculator link below to find out if you qualify for a waiver. If so, please call (855) 685‑7843 to finalize your registration. The $50.00 per case fees represent the entirety of our post-filing debtor education certificate-related fees. We do not charge any additional fees associated with the generation of the certificate.

FEE WAIVER CALCULATOR

Our agency has a policy prohibiting it from paying or receiving fees for the referral of clients, except under a fair share agreement. No fees are either paid or received by our agency for the referral of a client to a bankruptcy attorney or any bankruptcy alternative agency.

We provide the debtor education certificate program online only, in English or Spanish. Should you require assistance in another language, please visit the US Trustee site.

If you are dissatisfied with the service provided by our agency, you can utilize our Complaint Resolution Process by contacting our bankruptcy services director at [email protected], by calling toll-free at (855) 685‑7843, or by mail at Bankruptcy Complaint Resolution, 6213 N Cloverdale Rd Ste 100, Boise ID 83713.

The United States Trustee has reviewed only our credit counseling and personal financial management instructional course pursuant to 11 U.S.C 111(d) and the US Trustees has neither reviewed or approved any other services we provide to clients.

Acceptance
You must accept both statements to proceed.

This Website Is Using Cookies. We use cookies to improve your experience. By continuing, you agree to our cookie use.

Client Credit Report Authorization

You hereby authorize and instruct Debt Reduction Services, Inc. (DRS, dba Money Fit by DRS) and/or its assigned agents to:
  • Obtain and review your credit report, and
  • Request verifications of your income and rental history, and any other information deemed necessary for improving your housing situation (for example, verifying your annual property tax obligations and homeowner’s insurance fees)
Your credit report will be obtained from a credit reporting agency chosen by DRS. You understand and agree that DRS intends to use the credit report evaluate your financial readiness to purchase or rent a home and/or to engage in post-purchase counseling activities and not to grant credit. You understand you may ask any questions pertaining to your credit report. However, while DRS will review the information with you, the company is not able to furnish you with a copy of your credit profile. You hereby authorize DRS to share your information from your credit report and any information that you provided (including any computations and assessments produced) with the entities listed below to help DRS determine your viable financial options.
  • Banks
  • Counseling Agencies
  • Debt Collectors
  • Landlords
  • Lenders
  • Mortgage Servicers
  • Property Management Companies
  • Public Housing Authorities
  • Social Service Agencies
Entities such as mortgage lenders and/or counseling agencies may contact your DRS counselor to evaluate the options for which you may be eligible. In connection with such evaluation, you authorize the credit reporting and/or financial agencies to release information and cooperate with your DRS counselor. No information will be discussed about you with entities not directly involved in your efforts to improve your housing situation. You hereby authorize the release of your information to program monitoring organizations of DRS, including but not limited to, Federal, State, and nonprofit partners for program review, monitoring, auditing, research, and/or oversight purposes. In addition, you authorize DRS to have your credit report pulled two additional times to conduct program evaluations. You also agree to keep DRS informed of any changes in address, telephone number, job status, marital status, or other conditions which may affect your eligibility for a program you have applied for or a counseling service that you are seeking. Finally, you understand that you may revoke consent to these disclosures by notifying DRS in writing.

Client Privacy, Data Security, and Client Rights Policy

NOTE: This sheet is to inform new or returning clients about our services, records, fees, and limitations that may affect you as a consumer of our services. This form also discloses how we might release your information to other agencies and/or regulators. If you do not understand a statement, please ask a Debt Reduction Services (DRS) counselor for assistance.

Debt Reduction Services, Inc. (DRS) has put into place policies and procedures to protect the security and confidentiality of your nonpublic personal information. This notice explains our online information practices and how we use and maintain your information to conduct our financial education and credit counseling sessions and to fulfill information and question requests. This privacy policy complies with federal laws and regulations.

To provide our financial education and credit counseling services, we collect nonpublic personal information about you as follows: 1) Information we receive from you, 2) Information about your transactions with us or others, and 3) Information we receive from your creditors or a consumer reporting agency. We do not share this information with outside parties.

We use non-identifying and aggregate information to better design our website and services, but we do not disclose anything that could be used to identify you as an individual.

You hereby authorize DRS, when necessary, to share your nonpublic personal, financial, credit, and any information that you provided (including any computations and assessments produced) with the following entities in order to help DRS provide you with appropriate counseling or guide you to appropriate services: third parties such as government agencies, your lender(s), your creditor(s), and nonprofit housing-related and other financial agencies as permitted by law, including the U.S. Department of Housing and Urban Development.

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We limit access to your nonpublic personal information to our employees, contractors and agents who need such access to provide products or services to you or for other legitimate business purposes.

Debt Reduction Services, Inc. complies with the privacy requirements set forth in the HUD housing counseling agency handbook 7610.1 (05/2010), including the sections 2-2 Mc, 3-1 H(2), 3-3, 5-3 F, and Attachment A.5. At all times, we will comply with all additional laws and regulations to which we are subject regarding the collection, use, and disclosure of individually identifiable information.

  1. Services: DRS provides the following housing-related services: counseling that includes Homeless Assistance, Rental Topics, Pre-purchase/Homebuying, and Home Maintenance and Financial Management for Homeowners (Non-Delinquency Post-Purchase); Education courses that include Financial literacy (including home affordability, budgeting, and understanding use of credit), Predatory lending, loan scam or other fraud prevention, Fair housing, Rental topics, Pre-purchase homebuyer education, Non-delinquency post-purchase workshop (including home maintenance and/or financial management for homeowners), and other workshops not listed above.

Please refer to DebtReductionServices.org for details of our services.

  1. Limits: Our services are limited to our normal weekday business hours. We do not provide individual counseling or education services after hours or on weekends, although our education courses are available 24/7.
  2. Fees: We do not charge fees for our financial management counseling and education. However, if you use them, you may have to pay for our Debt Management Program, Student Loan Counseling, Bankruptcy Certificate Services or certain financial education courses (homebuyer education, rental topics, fair housing, predatory lending, and post-purchase-non-delinquency including home maintenance and/or financial management for homeowners).
  3. Records: We maintain records of the services you receive, including notes about your progress or other relevant information to your work with us. You have the right to access and view your records by making a request to your counselor.
  4. Confidentiality: We respect your privacy and offer our services in confidence with the understanding that we may share such information with auditors and government regulators. Certain laws or situations may also lead to disclosing confidential issues, such as those involving potential child abuse or neglect, threats to harm self or others, or court subpoenas.
  5. Refusal of Services: You have the right to refuse services without any penalty or loss.
  6. Disclosure of Policies and Practices: You will be provided our agency disclosure statement.
  7. Sharing of Information: Sometimes we will need to contact other agencies or we may need to share your information, including your records, with other agencies or with regulators. We will do this only if you sign this form that gives us permission except for limited reasons; please see # 5 above for examples of such situations.
  8. Other: You have the right to be treated with respect by our staff, and we expect the same from you in return. We encourage you to always ask questions if something is not clear. We also encouraged you to express your thoughts and advocate throughout our services.

You acknowledge that this authorization will remain in effect for the duration of time that DRS serves as your housing counselor or financial education provider. You also acknowledge that should you wish to terminate this authorization, you will notify DRS in writing.

Disclosure  Statement

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing information about our counseling services, please communicate with your DRS representative about arranging alternative accommodations.

Program Disclosure Form

Disclosure to Client for HUD Housing Counseling Services

Debt Reduction Services, Inc. and its financial education arm, Money Fit by DRS, offer the following housing counseling and educational services related to housing, personal finance, and bankruptcy certificates to consumers:
  • Housing Education Courses: DRS offers many online self-guided education programs classified as Financial, Budgeting, and Credit Workshops (FBC), Fair Housing Pre-Purchase Education Workshops (FHW), Homelessness Prevention Workshops (HMW), Non-Delinquency Post Purchase Workshops (NDW), Predatory Lending Education Workshops (PLW), Pre-purchase Homebuyer Education Workshops (PPW), and Rental Housing Workshops (RHW). These courses help participants increase their knowledge of and skills in personal finance, including home affordability, budgeting, and understanding the use of credit, as well as predatory lending, loan scams, and other fraud prevention topics, fair housing, rental topics, pre-purchase homebuyer education, non-delinquency post-purchase topics including home maintenance and/or financial management for homeowners, homeless prevention workshop, and other workshops not listed above relating to personal finance and housing. Course details are found below under “Housing Workshops.”
  • Home Equity Conversation Mortgage (HECM) Counseling (RMC): Via telephone and virtual platforms, we offer the required HECM counseling nationwide in addition to in-person counseling in Boise, Idaho. We also offer in-home counseling options in thirty counties across southern Idaho for an additional fee to cover our travel and additional staff time costs.
  • Home Maintenance and Financial Management for Homeowners (Non-Delinquency Post-Purchase) (FBC): Clients receive counseling and materials on the proper maintenance of their home and mortgage refinancing. Clients can find help and resources by phone, in our Boise office, or virtually on all topics related to stabilizing their long-term homeownership.
  • Services for Homeless Counseling (HMC): Clients receive phone, virtual, or in-person (Boise) counseling to evaluate their current housing needs, identify barriers to and goals for housing stability, establish a path to self-sufficiency, and connect with emergency shelters, income-appropriate housing, and/or other community resources (e.g. mental healthcare, job training, transportation, etc.).
  • Pre-Purchase Counseling (PPC): Clients receive counseling through the entire homebuying process. Assistance may involve creating a sustainable household budget, understanding mortgage options, building their credit rating, and putting together a realistic action plan to set and achieve homeownership goals.  Additionally, clients will receive materials and resources about home inspections and other homeownership topics relevant to successfully maintaining a home.
  • Rental Housing Counseling (RHC): Via phone, in-person appointments (Boise, ID), or virtual platforms, clients receive housing counseling relevant to renting, including rent subsidies from HUD or other government and assistance programs. Topics can also address issues and concerns having to do with fair housing, landlord and tenant laws, lease terms, rent delinquency, household budgeting, and finding alternate housing.
DRS also offers the following services:
  • A Debt Management Program (DMP) for consumers struggling to pay their credit cards, collections, medical debts, personal loans, old utility bills, and past-due cell phone accounts;
  • The Budget Briefing and Debtor Education Certificates that are required during the Bankruptcy filing process;
  • A Student Loan Repayment Plan Counseling and application service.

Relationships with Industry Partners

Through such services, DRS has established financial relationships with hundreds of banks, credit unions, and creditors such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Credit One, Discover, Synchrony, US Bank, USAA, Wells Fargo, and others.

No Client Obligation

The client is not obligated to receive, purchase or utilize any other services offered by DRS or its exclusive partners to receive financial education or housing counseling services. Alternatives: As a condition of our counseling services, in alignment with meeting our client services goals, and in compliance with HUD’s Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you, if applicable and known by our staff. Alternative DMP services include negotiating better repayment terms directly with your individual creditors, paying your debts as agreed, or, in extreme cases, filing for personal bankruptcy. Alternative credit and education services can be found through MyMoney.gov or the Jump$tart Clearinghouse of online financial education resources. Housing counseling alternatives can be found through HUD at www.hud.gov/findacounselor.
Finally, you understand that you may revoke consent to these disclosures by notifying DRS in writing.

Housing Counseling and Education Fee Schedule

 

Online Education Program Fees*

Homebuyer Education Course: $59 per participant

  • Self-paced course available here, our online housing counseling and education center. Certificates will be automatically generated upon completion of the course (approximately 6-8 hours)

RentalFair HousingPredatory Lending / HOEPAPost-Purchase (Non-delinquency post-purchase workshop, including home maintenance and/or financial management for homeowners) Online Workshops: $49 per participant

  • Approximately 1 hour each

Other Self-Guided Financial Literacy Webinars (e.g. creditbudgetinghomeless preventiondebt prevention): $0

One-on-one Counseling Fees*

Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management: $75

  • Session by the hour

Reverse Mortgage/HECM Counseling with Required Certificate:

  • $200†

Credit Report Fee: Paid Directly by Client

*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable

*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page

†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there).

Housing Counseling and Education Fee Schedule

 

Online Education Program Fees*

Homebuyer Education Course: $59 per participant

  • Self-paced course available here, our online housing counseling and education center. Certificates will be automatically generated upon completion of the course (approximately 6-8 hours)

RentalFair HousingPredatory Lending / HOEPAPost-Purchase (Non-delinquency post-purchase workshop, including home maintenance and/or financial management for homeowners) Online Workshops: $49 per participant

  • Approximately 1 hour each

Other Self-Guided Financial Literacy Webinars (e.g. creditbudgetinghomeless preventiondebt prevention): $0

One-on-one Counseling Fees*

Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management: $75

  • Session by the hour

Reverse Mortgage/HECM Counseling with Required Certificate:

  • $200†

Credit Report Fee: Paid Directly by Client

*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable

*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page

†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there).